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Home Insurance in Frisco, TX
How Frisco homes and hazards compare with Collin County and Texas as a whole, and what the differences mean for your policy.
$5,514/yr
About $460/mo · ~$300k-$400k dwelling class
$3,297/yr
About $275/mo after modeled shopping discount
About 40.2% below local market estimate
Frisco compared with Collin County and Texas
| Measure | Frisco | Collin County | Texas |
|---|---|---|---|
| Median home value | $642,100 | $475,600 | $283,800 |
| Median year built | 2009 | 2003 | 1992 |
| Owner-occupied homes | 66% | 65% | 63% |
| Single-family detached | 69% | 68% | 64% |
| Built before 1980 | 2% | 10% | 33% |
| Built 2000 or later | 82% | 57% | 39% |
| Manufactured homes | less than 1% | 2% | 6% |
Frisco’s housing is younger than Collin County’s overall (2009 versus 2003 median year built).
The typical owner-occupied home in Frisco is valued at about $642,100. That sits above the county-wide median of $475,600. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Collin County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 310 hail reports |
| Tornadoes | Very High | 9 tornadoes |
| Strong wind | Relatively High | 108 thunderstorm wind reports |
| Inland flooding | Relatively High | 27 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
In FEMA’s National Risk Index, Collin County carries an overall rating of relatively high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and inland flooding (relatively high).
Since 2000, Collin County has been included in 5 federal major disaster declarations for natural hazards. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2007).
Coverage takeaways for Frisco
- Wind coverage in Collin County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- FEMA lists Frisco as a participating NFIP community. The flood insurance rate map in effect was issued in June 2017. In Collin County, roughly 1 home in 207 has federal flood coverage (1,451 residential policies in force). Policyholders in the county have filed 82 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Census estimates put the median construction year for homes in Frisco at 2009. About 2% of homes went up before 1980, while 82% were built in 2000 or later. A young housing stock usually means modern code compliance, which can help with rates; HOA rules and builder warranties may still shape what you need.
Where to verify Frisco details
Insurers often check the appraisal district record, so confirm that what the Collin district shows at www.collincad.org matches your home. Its office is at 250 Eldorado Pkwy. McKinney, TX 75069-8023. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. Its assigned radar site for Frisco is KFWS.
Frisco crosses into Denton County, but Collin County contains most of it, so that is the county used for the data below. In the federal metro delineation, Collin County anchors the Dallas-Fort Worth-Arlington metro. Dallas is the closest larger city, roughly 25 miles away, with Frisco to its north.
FAQ: Frisco home insurance
How risky is Collin County for natural hazards?
Collin County is rated relatively high overall in FEMA’s National Risk Index. The top-rated hazards are hail (very high), tornadoes (very high) and inland flooding (relatively high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Do I need a local agent for a Frisco home?
No. Frisco is about 25 miles north of Dallas, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
How many major disasters has Collin County seen?
Since 2000, FEMA has declared 5 natural-hazard major disasters that include Collin County. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in May 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
How much dwelling coverage do Frisco homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Frisco median at $642,100, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Request a Frisco homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller 2024 regions
- Comptroller CAD listing, Collin County
- Disaster declarations (FEMA), Collin County
- OpenFEMA flood insurance data, Collin County
- Census ACS 2020–2024, Frisco city: home value, population, median year built, year built, structure type, tenure
- Census metro delineation
- Census Gazetteer coordinates
- Comparison figures: Collin County value, Collin County build year, Texas value
- FEMA National Risk Index, Collin County
- Texas Windstorm Insurance Association
- NWS Fort Worth/Dallas, TX
- Storm Events Database (NOAA), Collin County
- NFIP Community Status Book